How To Save $500 On Gap Auto Insurance

The average price for gap auto insurance sold by an auto dealership or finance company is $578.

Q. So why would anybody in their right mind pay $500 more they should?

A. They dont know any better.

Imagine youre in a car dealership and youve just purchased a brand new car. Youre sitting there with a self satisfied smile on your face that lets everybody in the showroom know you just brought the salesman to his knees with your finely honed negotiating skills.

Next you go see the finance person to arrange a loan. This is where youre casually informed that if you wreck your beautiful new car during the next year or two youre going to have fork over maybe five grand because the car will be worth that much less than what you still owe the bank.

Lucky for you the finance guy has a tailored made solution to the problem. For a measly $578 one time fee you can purchase a gap policy that protects you from a potential shortfall, up to $5,000, if you owe the bank more than the car is worth when that bus hits you.

Of course youre going to say “sure, go ahead” because youre afraid of losing your shirt and, by the way, did I tell you the premium could be rolled right into the loan?

On one hand, youre relieved to know the value your asset is protected, but on the other hand youre asking yourself why it had to cost so much.

Well, it doesnt. But who knew that there was even such a thing as gap insurance much less how much its supposed to cost. The problem is not with you, but with the major insurance companies and their brokers.

The reason you dont hear anything about gap from your insurance agent is that it isnt exactly a big money maker. With an average gap endorsement costing around $35 a year, there isnt a lot of profit incentive to buy 30 second spots on American Idol.

Besides the price, theres another difference between the gap insurance sold by a car dealer and the policy rider sold by a name brand gap insurance provider. When you buy gap from a major insurer you can cancel the rider as soon as the loan balance and value of your car reach parity usually within the first two years of ownership.

With dealership gap insurance, the coverage is spread out over 60 months and cannot be canceled for a refund whether you need it or not.

The Importance of Showroom Interior Design

Building developers understand the importance of a well-decorated showroom; indeed, showroom interior design is the most important facet when it comes to securing sales for new housing developments. Consequently, interior design must be fundamental to the priorities of all property developers who want to be successful within the housing market.

However, property development is a time-consuming, complicated process; property developers frequently find it difficult to set aside time to perfect the interior design of their showrooms. More often than not, the interior design requirements of a showroom property must be subcontracted to specialist companies.

Successful showrooms take time to develop and need the professional expertise of an organisation that understands the difficulty of the task. Interior design is an artistic process the goal of which is to capture attention and imbue potential buyers with the imagination to conceive of a lifestyle choice that pertains to the development being viewed – this is the aim of the showroom, to make potential buyers feel that they belong to the concept elicited by the home. Showroom interior design has a proven track record in maximising sales appeal, and thus can -make-or-break’ a developer’s dreams.

Comprehensive interior design processes will include consultations between developers and designers in order to capture the essence of the lifestyle that is being designed. Budgets vary, but at very little cost, interior design can return huge revenues. Enhancing the saleability of the property beyond, even, the imagination of the developer – a well-presented showroom can maximise sale potential well beyond projected figures. Presentation really is the key to selling property, regardless of whether this is a single property or a whole complex.

A comprehensive showroom design will consist of delivery of all furnishings, as well as their arrangement in a way that is aesthetically pleasing. Finishing touches and embellishments must be thoroughly thought out and planned – using a professional interior designer, who understands the market and has a proven record, is essential for any developer wishing to flourish within the property market. Designers must be current and understand the intricacies of current interior trends in order to ensure that they undertake a project where the results will speak for themselves.

Emblem Furniture is one such designer, offering comprehensive showroom interior design packages intended to increase sales potential. Not only are all furnishings provided, the showrooms are fully designed and assembled using concept designs. Working closely with developers to ensure that their visions come to light in the most stylish and fashionable creations imaginable, Emblem Furniture can create scenes that once seen, are never forgotten, all showrooms are designed according to market requirements and in reference to consultation with developers. Creating designs that reflect both current trends, and the wishes of the developer.

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What Is Oem Auto Glass

OEM stands for Original Equipment Manufacture. This means that the auto glass meets the original specification for safety and quality as the glass that it came with from the factory. Auto manufacturers do not make glass. They use different auto glass manufacturers’ to make the glass for your vehicle. A “dealer” glass is the same glass the auto glass shop would have, made from the same auto glass plant, but, in the process, the auto glass manufacturer stamps the brand name, such as Toyota, or Ford, making it a “dealer.” Same exact glass, but more expensive due to the brand name.

OEM auto glass means it is essentially the same piece of glass that is installed at the time the vehicle is made with the only difference being the windshield manufacturer. OEM glass is produced from original equipment-style tooling and meets the manufacturer’s specification for safety and quality. Only OEM glass can insure proper fit and finish which greatly reduces the possibility of air or water leaks. Most importantly, only OEM glass is designed specifically to meet the safety standards necessary for protection in an accident. You should always use OEM glass to insure your safety. If you are making an insurance claim to pay for your windshield replacement, you are mostly entitled to OEM glass. You have paid for it in your policy.

There is plenty of cheap non-OEM quality after glass market out there, but saving a few dollars on a piece of glass that may or may not fit right or be of the right thickness is not worth the risk to car owners.

OEM suppliers are trusted by auto manufacturers like GM, Chrysler, Toyota, Ford, etc to provide quality controlled windshields that are a perfect match and fit for their vehicles. OEM suppliers spent hundreds of million dollars in research and development, using computer-assisted engineering and designs programs (CAE and CAD) to ensure quality windshields for their vehicles.

Each OEM windshield goes through rigorous and thorough surface contour and optical quality checks as it moves down the assembly line. Auto glass parts produced by OEM manufacturers consistently fit better and adhere to the same standards for fit and finish as the glass that is originally installed when the car is built.

The after market shops will tell you that their product is the same quality as an OEM windshield. Wrong. Non-OEM auto glass manufacturers make copies of OEM auto glass parts. These copies have to vary slightly from the OEM part due to the fact that OEM parts are patented and the designs are protected and trademarked.